Table 6.
Summary of measurement model results.
| Item reliability Loading |
Internal consistency reliability Composite reliability |
Convergent validity AVE | Discriminant validity |
||||
|---|---|---|---|---|---|---|---|
| Cross loading | Fornell Larcker | HTMT CI does not include 1 | |||||
| Constructs | Items | ||||||
| Financial stress | FS01 | 0.898 | 0.919 | 0.656 | Refer to Table 7 | Refer to Table 8 | Yes |
| FS02 | 0.879 | ||||||
| FS04 | 0.759 | ||||||
| FS05 | 0.831 | ||||||
| FS07 | 0.738 | ||||||
| FS08 | 0.739 | ||||||
| Financial strain | FS1 | 0.856 | 0.911 | 0.673 | Yes | ||
| FS2 | 0.846 | ||||||
| FS3 | 0.848 | ||||||
| FS4 | 0.752 | ||||||
| FS5 | 0.794 | ||||||
| Religiosity level | 1.000 | 1.000 | 1.000 | Yes | |||